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A helping hand to get you to

your dream destination

Representative 3.4% APR

This rate is available on loans between £7,500 and £19,950. Other loan amounts are available at alternative rates. Our rates depend on your circumstances and loan amount and may differ from the Representative APR.

About our personal loans

You'll be given a personalised rate depending on your circumstances and how much you want to borrow

You can repay your loan early. Repayment charges apply**

You could have the funds the next working day if you use Digital Banking, apply and are unconditionally accepted before 5.55pm Monday - Thursday

To apply, you must be 18+ and a UK resident with either a Royal Bank of Scotland current account (held for 3+ months), credit card or mortgage (held for 6+ months). Credit card and mortgage customers must apply online or by phone.

Please note, our minimum loan term is 2 years. For this reason, a personal loan is unsuitable for an annual holiday.

*Mobile app available to Digital Banking customers with a UK or international mobile number in specific countries.

**If you repay your existing loan early, you'll pay 58 days interest (28 days if loan term 12 months or less, or the remaining number of days interest if there are less than 58 days (or 28 days) left in the loan term) to close the old loan early.

Loan repayment terms

This is the length of time you can take a loan over, depending on the amount you're borrowing and what it will be used for.

Loan amount

£1,000 - £50,000

Repay over

2 to 8 years

Loan calculator

Is the loan for home improvements?

How much would you like to borrow?

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*

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Home improvement loans of £7,500 or more are available over an extended term of up to 10 years.

Borrowing amounts of £7,500 or more are available over an extended term of up to 8 years.

How long would you like to repay?

The rate you pay depends on your circumstances and loan amount and may differ from the Representative APR. We will never offer you a rate exceeding 29.9% p.a. (fixed), regardless of loan size.

Representative Example

Borrowing

£7,500

Over

1 yearand&0 months

Monthly Repayment

£137.55

Total Repayment

£8,253.00

Representative

3.9

% APR

(Annual Percentage Rate)

Interest rate

3.9

% p.a

(Fixed)

A handy explanation of APR

APR stands for annual percentage rate of charge. When you see a representative APR, it means that over half of people who've taken out a loan of a particular size from that lender have been given this rate.

All lenders advertise their loan rates in this way to help people compare across lenders.

A few things to note about representative APRs:

They include standard fees or costs associated with taking out a loan e.g. an arrangement fee.

They change depending on the loan amount.

Just because a lender has a low or high representative APR, it doesn't mean they'll offer you the best rate.

The rate you're offered won't necessarily be the same as the representative APR.

Most lenders, including us, will offer you a personalised rate. This is called a personal APR.

APR stands for annual percentage rate of charge. A personal APR is a rate that has been worked out especially for you based on things like how much you want to borrow, your financial situation and your credit history. Your personal APR may be different to the representative APR we advertise, and different lenders may offer you different APRs.

If you already bank with us, you can find out your personal APR by using our Quick Quote tool. It'll tell you how likely you are to be approved, give you a personalised rate and show you what your monthly repayments could be. And all without affecting your credit rating.

Next steps

Start your application

Use our Quick Quote tool to see how likely you are to be accepted for a loan or go straight to 'Ready to apply'.

Get a decision

In most cases you'll know in a matter of minutes if you've been accepted.

Money in your account

If you use Digital Banking, apply and have your loan unconditionally accepted before 5.55pm Mon - Thurs, the funds will be paid into your account the next working day.

Find out if you're likely to be approved

Don't worry, there's no impact on your credit rating.

If you meet our eligibility criteria, we'll show you how much you may be able to borrow, your personalised interest rate and monthly payments.

If you're approaching retirement, please call us or visit a branch rather than using this tool.